ONE card is issued by Coastal Community Bank pursuant to licensing by Mastercard® International. Approved accounts are FDIC insured up to $250,000 per depositor. Banking services provided by Coastal Community Bank, Member FDIC. ONE is a financial technology company, not a bank. Cash back is earned through the Cash Rewards Program.Transactions at ATMs outside of the Allpoint Network are subject to fees. Allpoint Network ATM transactions are fee-free for accounts with eligible direct deposits totaling at least $500 in the previous month, otherwise a $3 fee will apply.Direct deposit may be available up to 2 days in advance, but depends on when your employer sends paycheck data.Transactions eligible for overdraft protection are determined by ONE. Must be 18 or older to receive overdraft protection. With eligible direct deposits totaling at least $500 in the previous month.

This promotion may not be combined with other ONE promotions that offer cash back on purchases at Walmart. 3% cash back applies to Walmart purchases, up to $50 per year.

Then to receive 3% cash back, at the time of purchase you must (a) be a Direct Deposit Customer or (b) have maintained an average daily balance of $5,000 or more in the prior month. To qualify, within the first 12 months of account opening (or, if you opened a ONE account prior to April 4, 2023, any time before April 4, 2024) you must have 3 consecutive months where you either (i) receive $500 or more of eligible direct deposits or (ii) maintain an average daily balance of $5,000 or more.For cards purchased at an in-store retail location, a $5 fee will be applied 10 days after purchase and then every month until you apply and are approved for a ONE account.Fees may reduce earnings on this account.

APYs are as of, but may change at any time before or after account opening. All other Savings balances will earn 1.00% APY. In all instances 5.00% APY is limited to a total Savings balance of up to $100,000. Customers can also earn 5.00% APY on Pay Autosave and Even Save balances. 5.00% annual percentage yield (APY) applies to the primary Savings pocket and custom pockets of customers who either (i) received $500 or more of eligible direct deposits in the previous month or (ii) have a total daily account balance of $5,000 or more.

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